Your girlfriend just won the Florida lottery. She has the choice of $16,900,000 today or a 20-year annuity of $1,050,000, with the first payment coming one year from today. What rate of return is built into the annuity? Disregard taxes.

Group of answer choices

a. 1.67%

b. 2.40%

c. 2.12%

d. 1.82%

e. 2.16%